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Flood Insurance Claims Data: FEMA NFIP Lookup

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Flood Insurance Claims Data: FEMA NFIP Lookup

Flood Insurance Claims Data: FEMA NFIP Lookup

Search official NFIP flood insurance claim history by state or county: damage amounts, flood zone, cause of damage, and payout totals. For real estate and flood insurance underwriting research. No key, no proxy.

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Timothy Kelvin

Timothy Kelvin

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FEMA Flood Claims Lookup: NFIP Data by State or County

Search official National Flood Insurance Program claim history by state or county. Get back location, flood event, flood zone, damage amounts, and payout totals per claim, straight from FEMA's own claims database.

Who this is for

  • Real estate professionals researching a property's or neighborhood's flood claim history before a transaction.
  • Flood insurance underwriters and risk analysts assessing claim patterns by area.
  • Insurance and disaster-risk researchers studying flood loss trends by state or county over time.

Input

FieldTypeDescription
statestringTwo-letter US state code, e.g. "TX". Provide this and/or countyCode.
countyCodestring5-digit county FIPS code, e.g. "48201" for Harris County, TX.
yearOfLossFromintegerOnly include claims with a loss year at or after this. Leave blank for all years.
maxResultsinteger (default 50)Cap on claims returned, most recent loss first.
{
"state": "TX",
"yearOfLossFrom": 2020,
"maxResults": 50
}

Output

One record per claim:

{
"state": "TX",
"countyCode": "48201",
"nfipCommunityName": "HOUSTON, CITY OF",
"reportedZipCode": "77036",
"latitude": 29.7,
"longitude": -95.5,
"dateOfLoss": "2020-09-18T00:00:00.000Z",
"yearOfLoss": 2020,
"floodEvent": "Hurricane Laura",
"ratedFloodZone": "A",
"floodZoneCurrent": "A",
"occupancyType": 1,
"primaryResidenceIndicator": true,
"buildingDamageAmount": 45000,
"amountPaidOnBuildingClaim": 42000,
"contentsDamageAmount": 12000,
"amountPaidOnContentsClaim": 11000,
"totalBuildingInsuranceCoverage": 200000,
"totalContentsInsuranceCoverage": 50000,
"causeOfDamage": "4",
"waterDepth": 2,
"elevatedBuildingIndicator": false,
"originalConstructionDate": "1985-01-01T00:00:00.000Z",
"id": 5448672
}

This is FEMA's public redacted claims dataset: individual claims are included, but personally identifying details (names, exact addresses) are removed. reportedZipCode, latitude/longitude, and nfipCommunityName place the claim at neighborhood level, not exact address.

How it works

One direct call to the OpenFEMA NFIP Redacted Claims v3 API (fema.gov/api/open/v3/NfipClaims), no scraping, no key, no proxy. Uses the newer v3 endpoint since FEMA has deprecated v2 and stopped updating it.